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NBTF GROUP INSURANCE HEALTH & DRUG PLANS

The premium schedule features One Plan for Health and Drugs with four premium tiers:

TIER 1 - Active Teacher

TIER 2 - Retired Under 60

TIER 3 - Retired 60 - 64

TIER 4 - Retired 65 and Over

Coverage for All Active and Retired Teachers includes:

• Hospital

• Prescription Drugs

• Vision Care

• Extended Health Benefits

• Travel (Health)

• OPTIONAL: Dental

PREMIUM SCHEDULE SUMMARY 2016

A November 2015 communiqué from the NBTF Group Insurance Trustees informed the members that

The chart below summarizes the Health and Drug Plan rates released by the NBTF Trustees late in the fall of 2015 for the year 2016. The chart only includes Health and Drug coverage. Dental is not included in the calculations.

The 2016 yearly rates are as follows:

2016

TIER 2

TIER3

TIER4

Health & Drug Plan

Retired under 60

Retired 60 TO 64

Retired 65 and OVER

Single/month

$132.20

$153.78

$186.48

Family/month

$302.67

$337.96

$383.88

Single/year

$1586.40

$1845.36

$2237.76

Family/year

$3632.04

$4055.52

$4606.56

SINGLE/YEAR

6.96 % increase

7.01 % increase

7.09 % increase

FAMILY/YEAR

7.00 % increase

7.04 % increase

7.08 % increase

COMPARISON OF RATES FROM 2007 TO 2016

2007 - 2016 RATES

NBTF

GROUP INSURANCE

RATES

TIER 2

TIER 3

TIER 4

RETIRED

RETIRED

RETIRED

under 60

60 TO 64

65 and OVER

Health & Drugs

Single/month 2016

132.20

153.78

186.48

2015

123.60

143.70

174.14

2014

125.54

146.33

177.83

2013

126.03

149.33

179.28

2012

109.74

130.89

158.08

2011

109.74

130.89

158.08

2010

104.30

124.66

150.82

2009

104.30

124.66

150.82

2008

94.80

113.52

137.56

2007

74.34

74.34

180.48

Family/month 2016

302.67

337.96

383.88

2015

282.88

315.74

358.50

2014

288.31

322.31

366.55

2013

289.38

328.91

369.35

2012

252.90

288.77

325.46

2011

252.90

288.77

325.46

2010

240.66

275.18

310.50

2009

240.66

275.18

310.50

2008

219.02

250.76

283.22

2007

171.96

171.96

365.52

Single/year 2016

1586.40

1845.36

2237.76

2015

1483.20

1724.40

2089.68

2014

1506.48

1755.96

2133.96

2013

1512.36

1791.96

2151.36

2012

1316.88

1570.68

1896.96

2011

1316.88

1570.68

1896.96

2010

1251.60

1495.92

1809.84

2009

1251.60

1495.92

1809.98

2008

1137.60

1362.24

1650.72

2007

892.08

892.08

2165.76

Family/year 2016

3632.04

4055.52

4606.56

2015

3394.56

3788.88

4302.00

2014

3459.72

3867.72

4398.60

2013

3472.56

3946.92

4432.20

2012

3034.80

3465.24

3905.52

2011

3034.80

3465.24

3905.52

2010

2887.92

3302.16

3726.00

2009

2887.92

3302.16

3726.00

2008

2628.24

3009.12

3398.64

2007

2063.52

2063.52

4386.24

SINGLE

2007 - 2016

77.83 % INCREASE

106.86 % INCREASE

3.32 % INCREASE

FAMILY

2007 - 2016

76.01 % INCREASE

96.53 % INCREASE

5.02 % INCREASE

RECOMMENDATIONS/ACTIONS by NBSRT Group Insurance Committee

The committee will be meeting in late February or March 2016 to discuss the Communique sent out by the NBTF Group Insurance Trustees in November 2015 outlining the renewal and Group Insurance Rates for 2016. At this meeting we hope to get an explanation from the Trustees as to why there was a need for an approximately 7% increase straight across Tiers 2 to 4. Also, an Ad Hoc Committee has been formed by the Liaison Committee of SERFNB and NBSRT to look into the issue of proportional representation for retired teachers on the NBTF Trustees. Most of the time has been sent gathering information and data. Other issues being pursued are booklets, components of wellness, increasing physiotherapy cap and dispensing fees.

The committee is advising the membership to continue to express their personal concerns to the Trustees by contacting Genevieve Melancon [email: This email address is being protected from spambots. You need JavaScript enabled to view it.], the NBTF Liaison person for the retired teachers, as well as Johnsons Insurance Chief Executive Officer Dale Weldon. Also, they may contact the retired teacher's trustee Clarence LeBlanc.